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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

Payplan- a success story.
Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…
First day of the rest of my life
It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…
DST Debt diary
Just a note to myself and any friendly ear that’s listening on my debt repayment story. I grew up in a poor family, managed to get away to the bright lights of London. Got a good job, some savings but then went off the rails after a bad relationship break up in 2013. In a new relationship now, still in a good job but…
30s_Suffolk_Lass DFD
Hi All I've decided to start a DFD and am also after some opinions on how I should proceed with my financial situation. My heart says one thing but my sensible head says another! The story so far: - I currently have a bank loan which stands at £24,700.24, including front loaded interest. The original loan was £25k with the…
Isca's ramblings on the path to being debt free
Hello money savers. I want a place to record all my thinking, ideas, actions and progress as I meander along this path to paying off my debts. They are much smaller than they used to be and the end could be in sight, but for some reason that makes it harder to focus! Current CC debt: £2915.71 Other debts: Car payment due…
Give me some motivation! Feeling embarrassed and down about debt!
Posting here to finally face the music. My lightbulb moment has been having my baby girl. We borrowed money on credit cards and overdrafts to do up our home, and I’ve since had 6 months of crippling maternity pay. I’m losing sleep now over our debt. We’re able to make the payments on all our debts, and we’re going to start…
Life is not a rehearsal- time to take back control........
The title of my diary pretty much sums things up for me at the moment. I recently turned 40 and with it came the realisation that this is it! There’s no dress rehearsal - I need to stop putting life on hold until debts are paid off, until my son is older, until I have more time etc. I need to start trying to live my best…
Lilt, Jellytot and the Archangel
So, here I am again... Almost debt free. I’ve been paying down debt on a 0% card and it will be gone in 6 months or less without accruing interest. But in the meantime, I keep going into my overdraft, spending £125 a week on groceries that are mostly ending up unused, in the bin or the freezer. I just got through a…
Stop frivolous spending and save more
Hi all, after reading so many wonderful debt dairies here I have decided to start my own dairy. My aim is to stop frivolous spending of money on unnecessary things and save more. My target is to buy a 2nd property on buy to let so that it can be my retirement income or can pass on to my only child so that they don’t have…
Maternity and Mortgage
Hi everyone, I've been reading some debt free diaries and it's inspired me to have a go at my own! Abit about me... I'm married with 2 daughters and I'm currently pregnant with our third! We are trying to save as much as we can for the dreaded maternity pay which sees me going from £2000 per month to £580 per month next…
Debt free by 40
So I've finally decided to start a debt free diary and am hoping this will help me to find others on a similar mission so we can all keep one another motivated! Through a mixture of a failed business venture, consumer debt and house renovations we are in a position where we owe more than we would like. Fortunately our…
Nearly at journeys end has felt like a long drag
Started off on April 1st 2020 owing £35048, seemed like a overwhelming task. However through dogged determination and a lot of "going without" and selling unwanted or unused items as of the end of this week it will be down to £12300, used the waterfall method, paying off expensive debts first. However bad it seems it can…
Stop the Splurge
I'm starting this diary because I need to get on top on my spending and some small debts. Background: DH was in charge of finances for the first few years, only he was dreadful but I wasn't much better and together we built up debts over 50k. In 2007 he had 6 CCJs and we were on the brink of losing our home. So I joined…
Monthly Commitments below £1000 diary 2021
Afternoon All I've been on here a long time, got out of debt and back in again, this time, since following Dave Ramsey, will be my last. I have a stressful job and not sure how long I can live with the anxiety on a daily basis, its making me ill. So I decided to do something about it. My task is to pay off my debt and…
LIGHTBULB!
Does anyone else think of the minions/despicable me when they hear lightbulb? Today i’m starting my diary. I’ve previously been on the forum, many years ago and whilst my debt is better “controlled” it’s probably the same amount. It’s time to really knuckle down and get rid of it. So here we go. I’m 34, married, two…
The way forward....
Hi, So I have been reading through these diaries for the past couple of years whilst managing my own debts along the way. Then middle of last year with more time to think due to lockdown I finally had my light bulb moment. So how do things stand. Well I am married with a young daughter at school, both of us are in full…
5 Years Free
Im a bit of a fraud, I have debt in the form of a 127K mortgage but none other. My marriage is over, and I have nothing but I have a plan. Background for context We did everything the wrong way round like many couples nowadays moved in together, children, marriage then purchased a house. Its not been a been a bad life we…
Bec’s head out of the sand diary
I’ve been in denial about my debts for years ever since retraining as a teacher years ago. Instead of asking my husband for help I’d carried on ‘managing things’ by myself in that time when I had no income (but still travelling to full time placements and college that was an hours drive) I used to pop things on my credit…
One year on from lighbulb moment
I've not posted in such a long time but I am still on track and the debts are going down :smile:
Keeping focussed
Hi all, very long time lurker here (maybe 7 years!). This board has been an absolute inspiration over the years and debt had risen and fallen - but I’m nearly there. So thought I would do a SOA and see what you amazing people can spot for me on my final push to be Debt Free. I have no Mortgage and own my house. To avoid…

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Debt free diaries

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